The rich are depressed because they realize their money can't buy them out of their issues.

We all fall - even me.

I also admire my pastor, John K. Jenkins Sr. (First Baptist Church of Glenarden). My pastor taught me the importance of tithing and giving back, that it has to be at the top of my budget. And he is one of the most generous folks I know.

I understand why many are still poor or struggling to make just a middle-income lifestyle. I'm a fiscal conservative, but I also have compassion for people who make financial mistakes.

I write for people who are good money managers and want to know how to be even better stewards over their money.

I'm driving my old car until I'm on a first name basis with the low tow truck drivers!

My writing is definitely influenced by and speaks to African-Americans because that is who I am. I'm black. I'm a black woman. I'm a black mother, wife, churchgoer, etc. I am the legacy of slavery.